Virtue Health

PRESS RELEASE | Announcement of New President Appointment Virtue Health has appointed TJ Carrender as our new President. With 20+ years of executive leadership, TJ has driven business turnarounds, tripled revenue, and led high-performing teams. Now, he’s bringing that same energy to Virtue, leading our next phase of innovation and growth. His focus? ? Scaling our impact ? Expanding our reach ? Delivering smarter healthcare strategies to mid-sized employers Welcome to the mission, TJ. Let’s build the future of healthcare. → https://hubs.li/Q03cH6nr0

1st case with Virtue Health: A $2,000,000 premature baby claim. The renewal increase: 8% How is that even possible? Most carriers/MGU’s punish the group. They price next year based on the loss they took from the previous year. Virtue Health doesn’t play that game. We price the renewal based on long-term thinking with our partners. Not on making up for past losses. Curious how we do it? ?? Book a demo today: https://hubs.li/Q03cj8LD0

8% SL renewal after a $2,000,000 claim? This is what a partnership looks like. We don't just slam employers for bad luck years; we provide a program with long-term protection through the good and bad. That’s why mid-sized employers are joining Virtue Health's Private Stop-Loss Consortium. They need stability, not surprises. ? Single-digit premium renewals ? High-dollar claim management ? Cost-containment requirements ? Compounding savings over time ?? Become a partner here: https://hubs.li/Q03chN-h0

17%+ stop-loss premium increases are the new normal (even in good years). But they shouldn’t be. If you see double-digit increases in a good claims year, it's not a self-funding problem. It’s something most employers aren’t paying attention to. Mid-size employers are searching for stop-loss alternatives, and many are turning to Captives & Consortiums. But here’s what it means to choose the wrong one: 5-year premium overspend: $557,240 10-year overspend: $1,360,260 ?? 5 Red Flags to Watch for in Stop-Loss Captive or Consortium: 1. Fully Insured Growth Model 2. Entry Requirements 3. Size Standards 4. Poor Underwriting 5. Partner Standards 6. High-Claimant Management Employers deserve a smarter solution, one that controls costs without the hidden risks. If you’re seeing these warning signs, it’s time to rethink your strategy. ?? See the red flags here: https://hubs.li/Q03bGHpK0

Why are Private Consortiums in employers’ minds? Here are 5 reasons why: 1. Rising High-Dollar Claims 2. Unjustified Renewal Increases 3. Compounding Premiums 4. High-Dollar Claimant Management 5. Cost-Containment Requirements Learn the reasons why a few are making the switch. ???Download your infographic here: https://hubs.li/Q03bt6YK0

Stop-loss? You probably don’t think of a Consortium first. Most brokers default to the traditional approach: - Quoting stop-loss carriers - Comparing rates - Hoping for the best at renewal. But here’s the problem: Stop-loss renewals are volatile. High-dollar claims keep breaking the bank. Employers are desperate for stability. That’s where a Stop-Loss Consortium changes the game. Instead of employers going at it alone, they collectively purchase stop-loss insurance—gaining: ? Better pricing through shared risk ? Cost-containment strategies that actually work ? Protection from market volatility with better policy features But not all consortiums are the same. Public ones let anyone in. Private ones (like Virtue Health's) set cost-containment requirements to ensure long-term stability for employers. Want a quick breakdown of how it works? ?? Download the infographic here: https://hubs.li/Q039FBXD0 #stoploss #healthinsurance #selfinsurance

The line between Stop-Loss Captives & Consortiums is thinner than you think, but the difference lies in flexibility and collateral. That said, not all stop-loss pools are created equal. So, the real question isn’t Captive vs. Consortium, it’s Public vs. Private stop-loss pools. Compare your options. ???Get the details now: https://hubs.li/Q039pyPp0

Stop-Loss Trends Every Employer Needs to Know in 2025: Last month, Virtue Health's founder, John W. Sbrocco, CSFS attended an exclusive Employee Benefits Briefing for C-Suite executives, where the biggest stop-loss trends for 2025 were revealed. Here’s what you need to know: - The difference between public vs. private stop-loss pools (and why it matters). - The reality of rising healthcare costs—million-dollar claims are skyrocketing. - The biggest cost driver? Cancer treatments are pushing costs to all-time highs. - The key to mitigating high-dollar claims (hint: it’s more than just having the right plan). If you want to control costs and secure long-term stability, keep reading. Every week, 6,199 benefits professionals gain healthcare insights from 18 years of experience, delivered in 1 email. ???Subscribe here: https://hubs.li/Q039cfFd0